Backup doesn't mean 'just' imaging a drive, it means having a second, separate copy of files...eg photos, etc which may be irreplacable.
Re-installing an OS and proggies is just a pain.....but losing 'work' can be a disaster.
'handy recovery' is frankly a ridiculously precarious way to 'protect' your data....or expect it to be protected.
Drives can die....TOTALLY.
Then your work is lost....TOTALLY....